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This document is dated October 4, 2011.
It may not be accurate after such date
and LNC does not undertake
to update or keep it accurate
after such date.

Lincoln Financial Group Expands Dental Network And Implements New Claims Technology
Upgrades improve dental capabilities and help control costs for employees

PHILADELPHIA, October 4, 2011 — Lincoln Financial Group (NYSE:LNC) today announced that it has expanded its Lincoln DentalConnect® PPO network to include 173,000 provider locations across the country. In addition to the provider expansion, Lincoln has also implemented new technology that improves its dental claim management initiatives.

"Lincoln Financial is committed to providing the best product and service experience for our employer groups and their employees, and the improvements we've made in our dental capabilities will continue driving us toward that goal, while helping to control costs," said Sue Wright, Assistant Vice President, Dental Product Development for Lincoln Financial Group.

The expanded provider network adds a 32% increase to Lincoln Financial's nationwide network of dentists. And to help Lincoln's employee participants find a dentist in that expanded network, Lincoln continues to offer a convenient "Find a Dentist" feature on the home page of its website, LincolnFinancial.com.

Lincoln Financial's technology upgrades to its dental capabilities include a new claims risk management tool to assist plan administrators and members with the rising costs of insurance. The tool will help Lincoln Financial optimize its dental claims payment accuracy through advanced claims review and validation, improved data analysis, enhanced clinical review of claims and provider utilization monitoring.

These new features will help employers by providing a better interaction and overall experience with their Lincoln Financial dental plans, and they also help employees control their dental costs by closely monitoring charges and helping to prevent unnecessary expenditures.

Lincoln Financial's expanded dental capabilities are built upon its existing claim processes, and Lincoln continues to provide dental health education for its groups' employees.

For more information on Lincoln Financial's Group Insurance, including its Lincoln DentalConnect® PPO network.

Group insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions may apply.

About Lincoln Financial Group
Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. With headquarters in the Philadelphia region, the companies of Lincoln Financial Group had assets under management of $164 billion as of June 30, 2011. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life, disability and dental insurance; 401(k) and 403(b) plans; savings plans; and comprehensive financial planning and advisory services. For more information, including a copy of our most recent SEC reports containing our balance sheets, please visit www.LincolnFinancial.com.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.